Estimate your monthly mortgage payments in AED.
Disclaimer :
The results provided by this calculator are for indication purposes only. Final calculations will be provided by our in-house mortgage team. We work with all banks and financial institutions in the UAE to offer you the best and lowest interest rates. Contact us for a free mortgage consultation to find out how much you can borrow, whether it’s for your home or an investment property.

If you’ll be under 65 by the end of your mortgage, consider increasing the tenure up to 25 years. A longer term spreads out repayment and can lower your monthly EMI, giving flexibility.

The larger the amount you pay upfront, the less you need to borrow. A smaller loan means a reduced EMI easing your monthly burden significantly.

Keep track of changing interest rates. If they fall, refinancing your mortgage can bring down your EMI and save you money over the long run.

Putting any additional funds toward your loan even occasionally helps reduce your principal faster. This lowers your total interest and brings down future EMIs.

Locking in a low fixed interest rate can protect you from future rate hikes. It ensures steady, predictable EMIs and keeps your financial planning stress-free.
Most banks in the UAE require a minimum monthly salary of AED 10,000–12,000 to qualify for a home loan. Some banks may require more depending on your profile and employer category.
Expats can borrow up to 80% of the property value for their first home.For Emiratis, the maximum LTV (Loan-to-Value) can go up to 85%.
Mortgage terms can go up to 25 years, as long as the borrower does not exceed 65 years (salaried) or 70 years (self-employed) by the end of the loan term.
For expats:
20% down payment for properties under AED 5 million
30% down payment for properties above AED 5 million
For UAE nationals:
15%–20% down payment, depending on the property value
Yes, buyers should prepare for fees such as:
4% DLD fee
Trustee fee
Mortgage registration fee (0.25% of loan)
Valuation fee
Bank processing fee
These are standard charges across the UAE mortgage market.
Yes, most banks offer fixed-rate mortgages for 1–5 years, after which the rate typically switches to a variable rate.